V & V SERVICE
ActiveV & V SERVICE has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €2k. Equity is shrinking by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 84% of 27451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▲+29
Solvency100▲+18
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 5.6 against 2.33 in 2024; short-term debt: 17.9% and cash: 31% of total assets), and 20.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
79.2%
Return on assets
10%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-03-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
51 d early
2023
55 d early
2022
51 d early
2021
33 d early
2020
32 d early
2019
52 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€16k▲ 2.8%
2024 · €16k
2018: €34k
2019: €33k
2020: €36k
2021: €38k
2022: €28k
2023: €27k
2024: €16k
2018 → 2025
Total assets
€20k▼ 25.9%
2024 · €27k
2018: €54k
2019: €45k
2020: €39k
2021: €40k
2022: €30k
2023: €28k
2024: €27k
2018 → 2025
Net result
€2k
2024 · €-414
2018: €11k
2019: €-1k
2020: €3k
2021: €2k
2022: €-10k
2023: €-1k
2024: €-414
2018 → 2025
Working capital
€17k▲ 6.6%
2024 · €16k
2018: €7k
2019: €9k
2020: €19k
2021: €30k
2022: €28k
2023: €28k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€28k▼ 26.3%€27k▼ 4.1%€16k▼ 42.2%€16k▲ 2.8%
Operating result€3k-€-9k€-684▲ 92.7%€287€2k▲ 701%
Net result€2k-€-10k€-1k▲ 88.5%€-414▲ 64.1%€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 701% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €20k
Equity
€16k▲ 2.8%
Debt
€4k▼ 64.0%
The debt ratio falls from 42.9% to 20.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
79.2%▲
2024 · 57.1%
Current ratio
5.60▲
2024 · 2.33
Quick ratio
3.14▲
2024 · 1.52
Debt / equity
0.26▼
2024 · 0.75
ROE
12.6%▲
2024 · -2.6%
ROA
10.0%▲
2024 · -1.5%
Debt
€4k▼
2024 · €12k
Debt ≤ 1 year
€4k▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€27k€20k▼
Current assets29/58€27k€20k▼
Stocks and contracts in progress3€10k€9k▼
Stocks30/36€10k€9k▼
Amounts receivable within one year40/41€9k€5k▼
Trade receivables40€9k€4k▼
Other amounts receivable41€418€880▲
Cash at bank and in hand54/58€9k€6k▼
Equity and liabilities
Total equity and liabilities10/49€27k€20k▼
Equity10/15€16k€16k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-6k€-5k▲
Amounts payable17/49€12k€4k▼
Amounts payable within one year42/48€12k€4k▼
Trade debts44€289€1k▲
Suppliers440/4€289€1k▲
Taxes, remuneration and social security45€968€480▼
Taxes450/3€968€480▼
Other amounts payable47/48€10k€2k▼
Accrued charges and deferred income492/3-€600
Income statement
Code20242025
Other operating charges640/8€430€736▲
Gross operating margin9900€716€3k▲
Operating profit (loss)9901€287€2k▲
Financial income75/76B€1€27▲
Recurring financial income75€1€27▲
Financial charges65/66B€286€287▲
Recurring financial charges65€286€287▲
Profit (loss) for the period before taxes9903€1€2k▲
Income taxes67/77€416-
Profit (loss) for the period9904€-414€2k▲
Profit (loss) for the period to be appropriated9905€-414€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-4k▲
Profit (loss) brought forward from the previous period14P€-5k€-6k▼
Transfer from equity791/2€11k-
Profit to be distributed694/7€11k€2k▼
Return on contributions (dividend)694€11k€2k▼
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €2k
Net result €2k after 3 loss-making years.
30-09
Financial
Liquidity doublescurrent ratio 5.60
Current ratio from 2.33 to 5.60; short-term debt falls from €12k to €4k.
10-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity doublescurrent ratio 43.50
Current ratio from 18.75 to 43.50; short-term debt falls from €2k to €648.
10-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-10k ▼598%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity doublescurrent ratio 17.67
Current ratio from 8.55 to 17.67; short-term debt falls from €2k to €2k.
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-09
Financial
Liquidity quadruplescurrent ratio 8.55
Current ratio from 2.04 to 8.55; short-term debt falls from €9k to €2k.
09-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Zemst · 1 establishment unit since 2001
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Steppeke 271981 ZemstGround area
711 m²
Building footprint
99 m²
Volume, LiDAR
498 m³
Parcel 23034A0230/00L003, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
V & V SERVICE
since 20012.100.225.291
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23034A0230/00L003 | Flanders | 711 m² | 1 · 99 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,524 companies in sector 43222 we hold annual accounts for 5,657. 3,213 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-07-2000
Fiscal year end30-09
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
45332
43211General electrical installation work
43221Plumbing work
45310
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.